Eagle Bancorp, Inc. Financial Ratios — EGBN Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	38.29	39.02	45.75	43.44	43.49	34.55	26.25	29.95	22.16	17.58	20.44	14.48	9.68	-4.6	-15.17
Return on Assets (%)	1	1.13	1.31	1.2	1.49	1.51	1.4	1.92	1.65	1.32	1.54	1.23	0.88	-0.41	-1.28
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.28	2.27	2.49	4.59	2.97	2.18	2.2	2.05	1.77	1.28	1.61	0.93	1.12	1.04	0.98
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	34.02	37.59	44.44	43.8	51.67	55.74	59.29	60.14	56.27	47.96	65.13	53.2	40.86	-9.8	-65.57
Profit Margin (%)	21.82	23.62	27.73	27.57	32.16	34.23	32	44.84	40.87	36	48.42	39.53	32.21	-15.24	-46.14
Net Income to Common Margin (%)	20.48	23.24	27.4	27.25	31.93	34.23	32	44.84	40.87	36	48.42	39.53	32.21	-15.24	-46.14
Effective Tax Rate (%)	35.86	37.18	37.59	37.07	37.75	38.59	46.04	25.43	27.36	24.94	25.66	25.7	21.16	- -	- -
Dvd Payout Ratio (%)	-2.07	- -	- -	- -	- -	- -	- -	- -	15.62	21.43	25.29	39.58	54.7	-96.99	-11.09
Sustainable Growth Rate (%)	39.09	39.02	45.75	43.44	43.49	34.55	26.25	29.95	18.7	13.82	15.27	8.75	4.38	-9.06	-16.85

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	49	39	39	219	69	217	542	217	498	596	405	1,074	1,393	590	112
ST Debt	- -	- -	- -	100	- -	- -	325	- -	250	300	300	975	1,370	490	- -
LT Debt	49	39	39	119	69	217	217	217	248	296	105	99	23	100	112
Total Debt/EBITDA	19.18	11.59	9.3	24.29	8.86	34.78	78.73	31.18	80.6	126.94	68.98	323.61	400.33	184.47	37.9
Net Debt/EBITDA	-62.75	-86.19	-61.97	-3.68	-29	-23.97	53.35	-13.29	42.87	-254	-225.43	231.05	207.15	-21.07	-210.13
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.53	3.12	2.56	2.86	3.85	4.81	5.77	6.97	7.85	7.18	7.85	9.11	9.1	8.83	7.98
Long-Term Debt/Equity (%)	18.48	11.23	9.98	19.22	9.33	25.69	22.82	19.59	20.8	23.86	7.79	8.06	1.82	8.15	9.87
Long-Term Debt/Capital (%)	27.77	19.43	20.41	27.02	22.76	39.5	22.27	27.09	20.58	21.23	7.87	4.74	0.95	6.35	11.76
Long-Term Debt/Total Assets (%)	1.74	1.15	1.04	2.27	1.13	3.14	2.9	2.59	2.76	2.66	0.89	0.89	0.2	0.9	1.06
Total Debt/Equity (%)	18.48	11.23	9.98	35.33	9.33	25.69	57.02	19.59	41.8	48.04	30	87.44	109.33	48.12	9.87
Total Debt/Capital (%)	27.77	19.43	20.41	49.67	22.76	39.5	55.65	27.09	41.36	42.75	30.34	51.4	56.75	37.51	11.76
Total Debt/Total Assets (%)	1.74	1.15	1.04	4.18	1.13	3.14	7.25	2.59	5.54	5.36	3.42	9.63	11.94	5.3	1.06
Net Debt to Equity	-60.49	-83.49	-66.51	-5.35	-30.55	-17.71	38.63	-8.35	22.23	-96.12	-98.03	62.43	56.57	-5.49	-54.74
Net Debt/Capital (%)	487.3	226.13	240.96	-17.57	-2,721.55	-81.83	45.95	-18.82	26.47	325.56	369.59	42.33	41.53	-7.17	-243.87
EBITDA	3	3	4	9	8	6	7	7	6	5	6	3	3	3	3
EBITDA-CapEx	-3	-3	-1	4	3	-1	1	5	3	2	1	1	3	3	-5
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.53	3.12	2.56	2.86	3.85	4.81	5.77	6.97	7.85	7.18	7.85	9.11	9.1	8.83	7.98
Long-Term Debt/Equity (%)	18.48	11.23	9.98	19.22	9.33	25.69	22.82	19.59	20.8	23.86	7.79	8.06	1.82	8.15	9.87
Long-Term Debt/Capital (%)	27.77	19.43	20.41	27.02	22.76	39.5	22.27	27.09	20.58	21.23	7.87	4.74	0.95	6.35	11.76
Long-Term Debt/Total Assets (%)	1.74	1.15	1.04	2.27	1.13	3.14	2.9	2.59	2.76	2.66	0.89	0.89	0.2	0.9	1.06
Total Debt/Equity (%)	18.48	11.23	9.98	35.33	9.33	25.69	57.02	19.59	41.8	48.04	30	87.44	109.33	48.12	9.87
Total Debt/Capital (%)	27.77	19.43	20.41	49.67	22.76	39.5	55.65	27.09	41.36	42.75	30.34	51.4	56.75	37.51	11.76
Total Debt/Total Assets (%)	1.74	1.15	1.04	4.18	1.13	3.14	7.25	2.59	5.54	5.36	3.42	9.63	11.94	5.3	1.06
CFO/Total Liabilities	-2.19	0.52	7.66	1.29	1.85	1.93	2.46	2.27	1.7	1.35	2.27	1.96	1.88	1.25	0.3
CFO/CapEx	-10.16	2.63	48.48	11.39	21.16	15.73	27.95	111.64	46.74	45.21	45.11	92.24	2,794.66	379.66	3.68
Altman's Z-Score	0.14	0.18	0.22	0.2	0.28	0.31	0.31	0.28	0.28	0.22	0.25	0.25	0.21	0.2	0.18

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover

- -

Days Sales Outstanding

- -

Inventory Turnover

- -

Days Inventory Outstanding

- -

Accounts Payable Turnover

- -

Accounts Payable Turnover Days

- -

Cash Conversion Cycle

- -

Inventory to Cash Days

- -

Inventories

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Raw Materials

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Work In Process

- -

Finished Goods

- -

Other Inventory

- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	288	452	788	948	1,657	2,047	1,977	1,671	1,662	1,335	1,863	1,412	915	785	650
- Cash & Cash Equivalents	211	331	301	253	295	366	175	310	203	1,761	1,694	278	719	633	696
+ Preferred Equity and Hybrid Capital	57	57	57	72	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	49	39	39	219	69	217	542	217	498	596	405	1,074	1,393	590	112
Enterprise Value	-130	-83	204	604	944	1,360	1,755	794	1,113	-980	-2,049	609	83	-526	-626
Total Capital	178	202	193	442	303	548	974	802	1,203	1,394	1,336	2,090	2,455	1,573	950
Total Debt/Capital (%)	27.77	19.43	20.41	49.67	22.76	39.5	55.65	27.09	41.36	42.75	30.34	51.4	56.75	37.51	11.76
Total Debt / EV	-0.38	-0.47	0.19	0.36	0.07	0.16	0.31	0.27	0.45	-0.61	-0.2	1.76	16.87	-1.12	-0.18
EV/Sales	- -	- -	1.21	3.07	3.61	4.76	5.6	2.34	3.18	- -	- -	1.71	0.26	- -	- -
EV/EBITDA	- -	- -	48.38	66.93	121.3	218.4	254.91	113.97	180.34	- -	- -	183.49	23.73	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	0.79	10.15	9.57	11.64	10.9	4.8	8.39	- -	- -	3.12	0.42	- -	- -
EV/Free Cash Flow to Firm	- -	- -	0.77	9.33	9.14	10.94	10.53	4.76	8.22	- -	- -	3.09	0.42	- -	- -
Diluted Market Cap	295	465	807	979	1,690	2,083	1,987	1,678	1,664	1,337	1,867	1,415	916	786	650
Diluted Enterprise Value	190	229	602	1,017	1,464	1,934	2,354	1,585	1,958	173	578	2,211	1,590	743	66
EV per Share	- -	- -	7.95	22.64	28.74	40.49	51.4	23.15	32.58	- -	- -	19.01	2.72	- -	- -
TTM Sales	113	149	170	197	262	285	313	340	350	367	365	357	312	309	299
TTM EBITDA	3	3	4	9	8	6	7	7	6	5	6	3	3	3	3
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	-56	16	259	60	99	117	161	165	133	133	238	195	196	124	28
TTM Free Cash Flow to Firm	-51	22	264	65	103	124	167	167	136	136	244	197	196	124	36

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	-5.83	21.29	3.06	15.12	16.37	16.77	11.92	10.05	12.28	9.83	7.66	7.18	4.68	6.34	17.94
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-130	-83	204	604	944	1,360	1,755	794	1,113	-980	-2,049	609	83	-526	-626
Low Price	10.09	13.32	18.13	29.24	31.78	43.75	46.2	45.15	37.08	23.08	40.17	41.97	16.72	15.99	15.03
EV/Sales	- -	- -	1.21	3.07	3.61	4.76	5.6	2.34	3.18	- -	- -	1.71	0.26	- -	- -
EV/EBITDA	- -	- -	48.38	66.93	121.3	218.4	254.91	113.97	180.34	- -	- -	183.49	23.73	- -	- -
Price/Earnings	12.52	13.02	16.97	17.67	19.83	20.95	19.72	10.97	11.63	10.1	10.54	10.02	9.1	- -	- -
Price/Earnings Average	11.49	11.25	13.4	16.78	16.7	17.29	21.05	12.9	11.82	8.35	9.85	11.52	8.61	-14.75	-4.44
Price/Earnings High	13.03	14.06	18.42	18.4	21.83	22.32	23.77	14.74	14.53	11.97	11.13	14.51	14.8	-19.84	-5.95
Price/Earnings Low	9.55	9.56	10.04	14.54	12.49	15.04	15.74	10.17	8.87	5.64	7.26	9.54	5.05	-10.25	-3.3
Price/Book Value	4.03	4.25	8.15	6.3	7.08	6.17	4.58	2.86	2.36	1.67	2	1.39	0.86	0.8	0.78
Price/Book Value Average	3.7	3.67	6.44	5.99	5.97	5.09	4.89	3.36	2.39	1.38	1.87	1.6	0.82	0.71	0.73
Price/Book Value High	4.19	4.59	8.85	6.57	7.8	6.58	5.52	3.84	2.94	1.98	2.11	2.01	1.4	0.95	0.98
Price/Book Value Low	3.07	3.12	4.83	5.19	4.46	4.43	3.65	2.65	1.8	0.93	1.38	1.32	0.48	0.49	0.54
Price/Tangible Book Value	1.4	1.56	2.36	2.16	2.63	2.78	2.34	1.67	1.53	1.18	1.49	1.26	0.78	0.64	0.57
Price/Tangible Book Value Average	1.29	1.35	1.86	2.05	2.21	2.3	2.5	1.96	1.56	0.97	1.4	1.44	0.74	0.57	0.54
Price/Tangible Book Value High	1.46	1.69	2.56	2.25	2.9	2.97	2.83	2.24	1.91	1.39	1.58	1.82	1.27	0.76	0.73
Price/Tangible Book Value Low	1.07	1.15	1.4	1.78	1.66	2	1.87	1.54	1.17	0.66	1.03	1.2	0.43	0.39	0.4
Price/Sales	2.56	3.03	4.65	4.82	6.33	7.17	6.31	4.92	4.75	3.64	5.11	3.96	2.93	2.54	2.17
Price/Sales Average	2.35	2.61	3.67	4.57	5.33	5.92	6.74	5.78	4.83	3	4.77	4.55	2.77	2.25	2.05
Price/Sales High	2.67	3.27	5.05	5.02	6.97	7.64	7.61	6.61	5.94	4.31	5.39	5.74	4.77	3.02	2.75
Price/Sales Low	1.96	2.22	2.75	3.96	3.99	5.15	5.03	4.56	3.62	2.03	3.52	3.77	1.63	1.56	1.52
Price/Cash Flow	-5.14	28.59	3.05	15.93	16.81	17.52	12.28	10.1	12.53	10.03	7.81	7.24	4.68	6.34	22.81
Price/Cash Flow Average	-4.72	24.69	2.41	15.13	14.15	14.46	13.11	11.87	12.73	8.29	7.3	8.33	4.42	5.61	21.51
Price/Cash Flow High	-5.35	30.87	3.31	16.59	18.51	18.67	14.81	13.56	15.65	11.89	8.25	10.49	7.61	7.54	28.83
Price/Cash Flow Low	-3.92	20.98	1.8	13.11	10.58	12.58	9.8	9.36	9.55	5.61	5.38	6.9	2.59	3.9	16.01
Price/Free Cash Flow Average	-5.35	18.39	2.41	14.36	13.78	13.84	12.73	11.81	12.48	8.12	7.16	8.26	4.43	5.6	16.92
Price/Free Cash Flow High	-6.07	22.99	3.32	15.75	18.02	17.87	14.37	13.5	15.34	11.65	8.09	10.4	7.62	7.53	22.68
Price/Free Cash Flow Low	-4.45	15.62	1.81	12.45	10.31	12.04	9.51	9.32	9.36	5.49	5.27	6.84	2.6	3.89	12.59
EV/Sales Average	1.42	1.04	2.46	4.77	4.47	5.4	7.91	5.51	5.67	- -	1.24	6.79	4.93	2.11	0.1
EV/Sales High	1.74	1.69	3.83	5.21	6.11	7.12	8.78	6.34	6.78	1.14	1.86	7.97	6.93	2.88	0.79
EV/Sales Low	1.03	0.64	1.54	4.16	3.13	4.62	6.21	4.29	4.47	- -	- -	6	3.79	1.42	- -
EV/EBITDA Average	62.29	45.75	98.6	104	150.36	247.42	359.91	268.48	321.31	-13.04	76.96	729.13	442.45	203.32	9.79
EV/EBITDA High	76.04	74.56	153.78	113.66	205.49	326.36	399.55	308.75	384.14	89.01	115.42	855.95	621.43	278.14	80.59
EV/EBITDA Low	44.9	28.41	61.76	90.72	105.13	212.04	282.49	208.97	253	-89.11	-0.99	644.9	339.56	137.16	-43.4
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	13.22	18.15	30.63	35.52	50.47	60.95	57.9	48.71	48.63	41.3	58.34	44.07	30.14	26.03	21.42
High Price	13.76	19.6	33.25	37	55.56	64.94	69.8	65.42	60.77	48.95	61.58	63.84	49.04	30.94	27.07
Enterprise Value Average	160	155	417	939	1,170	1,540	2,477	1,871	1,984	-61	452	2,420	1,540	650	29
Enterprise Value High	196	253	650	1,026	1,599	2,032	2,750	2,152	2,372	418	678	2,841	2,163	889	237
Enterprise Value Low	115	96	261	819	818	1,320	1,944	1,456	1,562	-418	-6	2,140	1,182	439	-128

Shares Outstanding	22	25	26	30	33	34	34	34	33	32	32	31	30	30	30
Diluted Weighted Avg Shares	22	26	26	28	33	34	34	34	34	32	32	32	30	30	30
Basic Weighted Avg Shares	22	25	26	27	33	34	34	34	34	32	32	32	30	30	30
Revenue per Share	5.16	6	6.59	7.38	7.97	8.5	9.18	9.9	10.23	11.36	11.43	11.13	10.28	10.23	9.86
EBITDA per Share	0.12	0.14	0.16	0.34	0.24	0.19	0.2	0.2	0.18	0.15	0.18	0.1	0.11	0.11	0.1
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.06	1.39	1.81	2.01	2.54	2.91	2.94	4.44	4.18	4.09	5.53	4.4	3.31	-1.56	-4.55
Basic EPS from Cont Ops	1.13	1.42	1.83	2.03	2.56	2.91	2.94	4.44	4.18	4.09	5.53	4.4	3.31	-1.56	-4.55
Diluted EPS, GAAP	1.03	1.36	1.76	1.95	2.5	2.86	2.92	4.42	4.18	4.08	5.52	4.39	3.31	-1.56	-4.55
Diluted EPS from Cont Ops	1.1	1.38	1.78	1.97	2.51	2.86	2.92	4.42	4.18	4.08	5.52	4.39	3.31	-1.56	-4.55
Dividend per Share	0.05	0.02	0.02	0.02	0.02	- -	- -	- -	0.65	0.88	1.4	1.74	1.81	1.51	0.5
Cash Flow per Share	-2.57	0.63	10.06	2.23	3	3.48	4.71	4.82	3.88	4.12	7.47	6.09	6.45	4.1	0.94
Free Cash Flow per Basic Share	-2.83	0.39	9.85	2.03	2.86	3.26	4.55	4.78	3.8	4.03	7.3	6.02	6.44	4.09	0.68
Cash & Equivalents per Share	24.04	25.34	26.41	23.79	23.83	26.91	22.38	31.89	30.61	90.06	135.18	58.59	73.32	63.03	45.72
Book Value per Share	3.28	4.27	3.76	5.63	7.12	9.87	12.65	17.05	20.64	24.69	29.13	31.71	34.98	32.58	27.61
Tangible Book Value per Share	9.44	11.62	12.97	16.45	19.19	21.89	24.7	29.24	31.77	35.13	39.03	35.1	38.53	40.66	37.28

Eagle Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)